Security and privacy notifications, such as login alerts, spam email warnings, and cookie consent requests, play a critical role in shaping users' responses to digital risks. Yet most notifications overlook cognitive accessibility, limiting their effectiveness for people with intellectual and developmental disabilities (IDD). We investigate how adults with IDD perceive and respond to common security and privacy notifications across mobile and web applications. Through a formative user study with seven adults with IDD, we identify three factors shaping understanding and decision-making: (1) interpretation is influenced by task and interface context; (2) unfamiliar terms, both technical and non-technical, are grounded in everyday concepts; and (3) uncertainty about outcomes leads to hesitation, avoidance, diagnostic exploration, or support-seeking. These findings lead to three design implications: (1) address context-dependent language misunderstandings beyond jargon simplification; (2) make action-outcome connections transparent; and (3) enable interdependent decision-making. Together, these insights aim to inform the design of more cognitively accessible security and privacy notifications that better support safe and supported user action.

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